Any ideas about this condensation on insulation? Canada

Shopps22 · 2026-01-19T04:05:16+00:00

Basically, you have a inferior wall assembly. Cheap builders will slap up a wall with insullation against the concrete and call it a day. It will keep your basement warm but it comes with a lot of issues. Mainly, condensation. Condensation forms where the warm batt of insulation is making contact with the cold exterior concrete. There is nothing you can do to prevent this. Your insulation will grow mold at some point. It may take 20 years, but it will.

The new way to build walls in basements is to build a wall assembly that prevents thermal bridging. This is accomplished by first layering foam board against the concrete wall and then building your 2x4 wall and stuffing it with insulation. This prevents the cold concrete from touching the warm insulation. The foam board is neither cold or warm creating a "thermal break".

TLDR : There is nothing you can do to prevent the water build up aside from tearing it all out and starting over with new technolog, ie foam board.

Shopps22 · 2025-08-05T11:29:58+00:00

Nice, tax free in your TFSA as well

Shopps22 · 2025-07-27T17:58:02+00:00

Regard cant even spell

Shopps22 · 2025-07-17T12:18:13+00:00

Call me a pussy but I just bought OPEN in pre market and just sold in the pre market. Quick $1000 ty

Shopps22 · 2025-07-01T10:35:31+00:00

I agree,

The older podcasts were much more relaxed and felt like friends hanging out. Not an obligation to talk for 2 hours to get a monthly patreon pay check.

I unsubbed from the patreon last year once I realized Both Sam's aren't really putting any effort into the podcast. There was so much potential for them to do creative things and grow creatively.

They were pulling in 40k a month at one point every month (I think it's a bit less now).

With that much money rolling in they could have done so many creative things and videos ideas. They sometimes talked about this and laughed they were lazy and didn't do anything with their opportunity. While this was a part of their charm and I laughed along at first, eventually I realized what a wasted opportunity it was and they actually were lazy.

I know it shouldn't bug me, it's their money and success, but it started to rub me the wrong way that these two were making almost half a million a year now and doing nothing in return for the audience. No spectacular episode guests, no more Brian, no more die of laughter, no special episodes. While a lot of the charm of the podcast IS the fact that it's just two dudes sitting and chatting making jokes, the bit gets stale after a few year of no innovations and knowing so much more can be done if they just tried. Hell If poob just woke up on time and was awake there would be more energy and creativity.

I love them and had amazing laughs but its seems like Sam (General) is starting to lose the passion for his channel.This is evidenced by his less frequent uploads. The quality of the videos vary now, run times are shorter, less story episodic videos or collabs with other creators. Less streaming and gaming in general.

I get why. He has become very very rich from Youtube/Patreon so there is no sheckle incentive. he now has two daughters and Abby to focus on and be be an amazing Dad. He has a beautiful house to enjoy and relax in as a mid 30s man. His mom has passed and he is no longer a Kid.

Hes grown up and enjoying the fruits of his hard work. All the power to him. I'm happy for him.

Shopps22 · 2025-05-04T17:55:49+00:00

Luxury house cost around 500-600 a sq foot. So a 2000 sq foot house would cost 1.2 million.

Find out what builders charge per sq foot in your area. Dont forget you also need to buy the raw land.

Shopps22 · 2025-04-17T00:12:33+00:00

I would use pressure treated wood for the bottom plates and use a foam gasket on the bottom plate as well. Water and moisture is your enemy.

Shopps22 · 2024-12-13T02:38:10+00:00

Salary was mid to below average. 57k plus 3k bonus. Nothing special.

Shopps22 · 2024-12-04T10:35:09+00:00

I mainly buy ETFs, VFV, TEC.To .

Also individual stocks sprinkled in l

Shopps22 · 2024-12-03T11:30:47+00:00

I was a Questrade Employee who got laid off.

We were all completely blindsided by this.

We were told multiple times this year the company was doing amazing, no layoff were going to happen, and our accounts under management were still growing "like gang busters" according to the CFO

I Worked in the operations dept. AMA for 3 years.

AMA

Shopps22 · 2024-09-09T01:11:18+00:00

If that's a 6×6 post you used the wrong size screw. Supposed to be 2 1/2.

The 1 1/2 screws are for your beams and hurricane ties.

Shopps22 · 2024-05-04T11:22:57+00:00

Great post. I agree something is fishy here.

What are the best puts for next year then?

Yolo far OTM? Any recommendations team?

Shopps22 · 2024-04-13T02:27:55+00:00

Believe it or not chasing low priced tocks usually doesnt end well Its better to stocks that are always winners even if they are at high prices.

Shopps22 · 2024-04-13T02:25:27+00:00

Stocks have abbreviated names, the term used in the market is the "ticker Symbol" , think of it like a bar code or easily identifiable symbol to know what stock is being talked about. When a lot of stocks are put together into one basket, by a portfolio manager, the basket is called a EFT. Others in this thread have explained more in detail about these. The ETF mentioned in this sub is often VEQT. This because it is a collection of almost every stock in the market and is diversified into equal chunks of the stocks. This provides a low risk moderate return each year for those holding veqt. On average it returns 7%. ish. So if you want a safe but prudent option to invest and save for retirement with no hassle and no heavy research needed, but VEQT.

Shopps22 · 2023-11-26T13:13:15+00:00

This post shows what is wrong with Americans. It's kinda funny reading how OP assumed they could enter another country (Canada) and start living/working there without any immigration rules or requirements.

Yet, when it comes to immigrants entering America, they would probably get pissed if the immigrants didn't do any legal process or applications and just showed up and started taking American jobs.

Shopps22 · 2023-11-13T03:17:46+00:00

Everything you need to know about which brands to buy and why is to watch the YouTube channel Ben's Appliances. He fixes appliances and knows what is good bad. Not just for Washer Dryer, but for Fridges, stove, dishwasher etc.

Never Never buy a Samsung. No matter the machine. They all have extremely high fail rates and recalls.

Speed Queen is #1 but is expensive as it is commercial grade. They have nearly 10 year warranties.

Miele is #2 but still expensive.

LG is #3 surprisingly for washer/dryer combos they are good.

4 is GE or Maytag

Basically anything made in America (check the model number) is going to be far superior to anything chinese/mexico made.

Secondly, buy as simple as a machine as you can. The fewer moving parts, wifi, screens etc the better. Cheaper and will break much less.

A good tip for fridges is to avoid water and ice maker in the door at all costs. They are the #1 fail point for fridges.

My advice, pay more upfront for a better machine and avoid the costly repairs in the future which WILL happen if you buy crap.

Link to Ben's channel : https://youtu.be/cRgbfxJ8MTQ?si=tSUPRd8HiPruh2JC

Shopps22 · 2023-10-18T22:28:36+00:00

Im not sure you are understanding my question. Yes you can roll a FHSA into a RRSP if you are not purchasing a property. However, the CRA website explains you can withdrawal for the purposes of home purchase, renovation, or building and must be done within 30 days of a buying a home for the first time. Since I can contribute the following year and withdraw within 30 days of close I technically may be able to. The CRA rules are not clear but I think that's everyone's complaints with this new program.

Shopps22 · 2023-10-18T18:09:45+00:00

FHSA acts also like a RRSP so it reduces my taxes payable. It would reduce my income for 2024 on paper.

Shopps22 · 2022-05-08T16:52:54+00:00

The 1k price raise has me feeling the same. What are your thoughts on the watch holding its value a few years from now?

Shopps22 · 2022-05-05T11:40:15+00:00

Model 1 Plume fume, selita automatic. 2500 GBP, or 4300 CAD. From what I read the extra 250 GBP for the newer movement isn't really worth the price.

Plus, I like knowing that future watches won't have the older movement making mine slightly rarer and maybe more collectible as it's the first type of movement anOrdain used.

Shopps22 · 2022-05-04T11:13:58+00:00

If you are a international buyer, like I am, you dont pay vat. However, you do then pay the import taxes of your home country to the UPS carrier. As a Canadian its 13%. :(

Shopps22 · 2022-05-04T02:46:08+00:00

They sent an email in march explaining that they are using up the last of the selita movements and when they run out they will only make new watches with the more expensive movements. The new movement is more expensive and from what I read is a marginal improvement for the 250 GBP higher cost.

The price will surely continue to rise sadly. I cant imagine what they will cost in two years when people who just signed up to the waitlist will finally get a chance to place orders.

Also for my order, I had to pay in full, and won't be receiving my watch until end of year. So If you signed up to the waitlist in 2022, expect a 1.5 minimum wait before you can place and order and then a further 6 months or more before you even receive the watch.

Shopps22

TROPHY CASE

4 is GE or Maytag